Director, Financial Crime Office – Deputy CAMLO, Regulatory Relations, Complaints Management, Compliance Testing

This is a fully remote position, open to applicants in Canada.

📋 Description

• Lead KOHO's Anti-Money Laundering (AML), Anti-Terrorist Financing (ATF), and sanctions compliance program along with enterprise financial crime risk assessment.

• Oversee transaction monitoring, alert management, case handling, enhanced due diligence, sanctions screening, and reporting of suspicious transactions to FINTRAC.

• Direct Know Your Customer (KYC) and customer risk-rating standards while collaborating with the Financial Intelligence Unit (FIU) to identify fraud and financial crime detection gaps.

• Take ownership of the two-year AML effectiveness review, remediation efforts, and financial crime training initiatives.

• Coordinate regulatory correspondence, submissions, examinations, reviews, and information requests efficiently.

• Manage regulatory findings and commitments, maintain filings inventory, and keep regulatory engagement records updated.

• Lead KOHO's enterprise complaints management program along with escalated complaint resolution.

• Handle cases from external complaints bodies and reporting to the Financial Consumer Agency of Canada (FCAC) and other relevant authorities.

• Provide complaints reporting and conduct root-cause analysis to enhance products, processes, and disclosures.

• Design and implement the independent Compliance Testing Program and annual risk-based testing framework.

• Ensure quality assurance over testing outputs and report findings to senior management and Board-level committees.

• Lead, mentor, and develop a multidisciplinary team focused on financial crime, testing, and complaints management.

• Collaborate with Compliance Advisory, Privacy, Operational Risk, Internal Audit, Legal, and the FIU.

• Represent KOHO in industry associations, peer forums, and financial crime intelligence networks.

• Prepare decision-ready reports for senior management and Board-level committees.

• Utilize AI, machine learning, robotic process automation (RPA), and advanced analytics for monitoring, alert triage, complaints classification, and compliance testing.

• Lead the development of automated testing scripts, intelligent workflows, advanced reporting, and implementation of Regulatory Technology (RegTech).

⛳️ Requirements

• Over 10 years of experience in AML and financial crime, compliance testing or audit, regulatory relations, or complaints management within the financial services sector.

• Extensive knowledge of Canadian consumer protection, AML regulations, retail banking or payments, and privacy legislation.

• Proven experience managing regulatory examinations or responding to information requests.

• Experience working in regulated fintech, neobanks, or direct-to-consumer financial institutions is essential.

• Relevant qualifications such as CAMS, CFE, CIA, CPA, CRCM, or their equivalents are considered advantageous.

• Must be legally eligible to work in Canada.

• Required to disclose if employer sponsorship is necessary now or in the future.

🏝️ Benefits

• Competitive compensation and equity packages.

• Generous vacation policy.

• Wellness days for personal health.

• Flex Days for better work-life balance.

• Holiday closure to ensure time off during festive periods.

• Remote-first work environment.

• Support for coworking spaces.

• Annual all-hands retreat for team building.

• Access to coaching and growth programs.

• Parental top-up and leave policies to support families.

• Comprehensive health benefits for employees.

• Power-up budgets for books, home office setup, phone & internet expenses, AI tools, and professional development opportunities.